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Could you save hundreds of dollars by switching your car insurance? It is a question worth asking yourself at least once a year. By doing a little research now, you may be able to find a comparable insurance plan at a better rate with another company, and save money. But you have to make sure you take the appropriate steps to switch, because you don't want to have a lapse in coverage.

Jeanne Salvatore, senior vice president at the Insurance Information Institute in New York, suggests asking yourself if you're happy with the cost, coverage and service of your current policy each time it comes up for renewal. "If the answer is 'yes, yes and yes,' then stay with them. But if you're not sure, it's a good opportunity to shop around," she says.

Here are four key steps to take when it comes to switching car insurance:

1. Review your current driving situation.

Take note of your driving circumstances as well as the needs of other drivers in your household. Do you have a newer model car? Do you commute several miles each week to work? Do you have recent traffic tickets?

According to the National Association of Insurance Commissioners (NAIC), your potential new insurance company may ask you all of these questions as part of the underwriting process. You'll also likely be asked about the number of drivers on the policy, your driver license information, and the insurance coverage and limits you'd like to purchase.

Take a look at your existing auto insurance policy. Knowing what you currently have will make it easier to create apples-to-apples comparisons with the rates you receive from different insurers. An easy way to do this is to study your current policy's declarations page, says Vaughn Graham, president of Rich and Cartmill insurance company in Tulsa, Oklahoma.

"The declarations page describes the insurance you have, including the amount of coverage as well as coverage limits, and the amount of your deductible," he says. When you're more informed about your current coverage, it can help you become a smarter shopper.

2. Shop around.

Once you're familiar with your current policy, it's time to look for alternatives. A good first call is to your current insurance agent or the insurance company itself (some insurers, such as Geico and Progressive don't work with agents). Even if you're not happy with your existing policy (if you think the premiums are too expensive, for example), ask if there are ways to lower your rate for the same amount of coverage, says Salvatore. You may be eligible to receive discounts you're not getting.

Here's a list of common insurance company discounts, according to the NAIC:

· Having safety devices in the car, such as anti-theft features

· Having a good driving record

· Driving a low number of miles a year

· Having multiple cars on the same policy

· Being a student who gets good grades

· Insuring both your home and car with the same provider

While you're reviewing discounts, be aware that switching to a new provider could affect discounts you already have with other types of insurance. For example, if you're already getting a homeowner's and car-policy rate reduction from your current provider, and you then move your car insurance to a different company, you may lose the discount you receive for homeowner's insurance. It may make more financial sense to stay where you are, or switch both policies to a new provider that will give you a rate reduction for both.

In addition to speaking to your current agent or insurance company about your options, you can look online to research potential companies and obtain quotes. It is also a good idea to get referrals from family members, colleagues and other people whom you trust, Salvatore says. If they have had to file a claim with the insurer, they could tell you in person about their customer service experience.

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If you need to get the right Florida auto insurance quotes, you have to review your existing car insurance policy, contact a minimum of 3 automobile insurance agencies, provide the company with precise personal information, increase the insurance deductible amount, and inquire what discounts are given by the corporation.

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If you are a resident of Florida and desire to get your automobile insured, make sure you invest time to look around. You might find important savings if you take a look at some Florida Car Insurance Quotes. Here are tips that can help you get the auto insurance quote that's great for your spending budget and also matches your auto insurance needs:if you want car insurance foe all vehicles.

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Make sure to evaluate your present car insurance plan to identify what form of coverage is included and examine whether you need it or not. Some automobile insurance quotes look into cases which are not necessary for your area. For example, there may be insurance coverage included that's meant for bad climate conditions which isn't practical for the warm climate of Florida.

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The next thing which you need to do is find a minimum of three insurance providers that can offer you with the insurance plan you need. The bare minimum for auto insurance in Florida is sufficient coverage for property damage liability and personal injury. Be sure that the insurance companies that you are researching are reliable and reputable. Find out what the prevailing selling price is for automobile insurance by inquiring the insurance agent entertaining you. Bear in mind that you will need to consider other aspects aside from the price of one coverage.

Provide the firm with accurate, private information

Once you know which insurance companies you are interested in, you need to provide them with specific personal data. Insurance companies require several details from their clients in order to think of a customized insurance quote. The firm might ask for your driving history and information about your automobile. Details such as your marital status, gender, and age will also be considered. Be sure that the details you give is accurate and timely so the generated estimates will also be specific.

Increase the deductible amount

You may be able to reap savings if you increase your deductibles. Try increasing the insurance deductible amount so that you can see how it affects the insurance coverage quote you get. The Insurance Information Institute states that insurance clients may be able to enjoy savings of around 15% to 30% from the total insurance coverage fee if they raise their deductible by $300.

new

If you need to get the right Florida auto insurance quotes, you have to review your existing car insurance policy, contact a minimum of 3 automobile insurance agencies, provide the company with precise personal information, increase the insurance deductible amount, and inquire what discounts are given by the corporation.

online auto insurance online auto insurance online auto insurance

online auto insurance

If you are a resident of Florida and desire to get your automobile insured, make sure you invest time to look around. You might find important savings if you take a look at some Florida Car Insurance Quotes. Here are tips that can help you get the auto insurance quote that's great for your spending budget and also matches your auto insurance needs:if you want car insurance foe all vehicles.

online auto insurance online auto insurance online auto insurance

Make sure to evaluate your present car insurance plan to identify what form of coverage is included and examine whether you need it or not. Some automobile insurance quotes look into cases which are not necessary for your area. For example, there may be insurance coverage included that's meant for bad climate conditions which isn't practical for the warm climate of Florida.

online auto insurance online auto insurance online auto insurance

The next thing which you need to do is find a minimum of three insurance providers that can offer you with the insurance plan you need. The bare minimum for auto insurance in Florida is sufficient coverage for property damage liability and personal injury. Be sure that the insurance companies that you are researching are reliable and reputable. Find out what the prevailing selling price is for automobile insurance by inquiring the insurance agent entertaining you. Bear in mind that you will need to consider other aspects aside from the price of one coverage.

Provide the firm with accurate, private information

Once you know which insurance companies you are interested in, you need to provide them with specific personal data. Insurance companies require several details from their clients in order to think of a customized insurance quote. The firm might ask for your driving history and information about your automobile. Details such as your marital status, gender, and age will also be considered. Be sure that the details you give is accurate and timely so the generated estimates will also be specific.

Increase the deductible amount

You may be able to reap savings if you increase your deductibles. Try increasing the insurance deductible amount so that you can see how it affects the insurance coverage quote you get. The Insurance Information Institute states that insurance clients may be able to enjoy savings of around 15% to 30% from the total insurance coverage fee if they raise their deductible by $300.

Ask what discounts the firm offers

Be sure to ask about the possible ways of getting a discount from the corporation. Ask if discount rates for taking driving courses are available. Some insurance agencies can offer safe-driver discount rates which might be good to take if you have some problems with your driving history. Various insurance agencies also offer discount rates to customers who get auto insurance for over one car in their home or if customers buy safety gadgets for their automobile like automatic seat belts.

Taking sufficient time to find and compare different car insurance quotes will save you a whole lot of trouble in the event that you encounter inconveniences on the road.